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Aspire Account
Developed by PT Aspire Financial Technologies Indonesia
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Aspire is reinventing banking for SMEs by offering an easy and simple credit line and payments product focused on small businesses. Connect your Jurnal account integration and get a credit limit in seconds!
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Additional Info
PT Aspire Financial Technologies Indonesia
Privacy Policy

What Do Aspire Offer to Small Business Owners?

Aspire provides business credit applications for MSMEs in Indonesia. It functions like a credit line, where you only need to submit a request once and if approved you will get a limit. Then this credit line can be withdrawn repeatedly whenever needed, and in any amount.

Aspire gives you flexibility and peace of mind to support your business growth and development. This service is divided into 3 types:

  • Drawdown Feature
    To be used as an unsecured business loan
  • Pay Later Feature
    To be used to advance inventory purchase, hiring, and or marketing cost
  • Get Paid Feature
    To be used to handle invoice processing

What are the benefits of Aspire's business credit?

  • The process of submitting an application is easy and simple (if all requirements are complete, it can be completed within 1 business day)
  • Area of ??coverage all over Indonesia
  • No survey needed
  • Interest rate starts from 0%
  • There are no hidden fees

How much does Aspire charge and how much is the repayment tenor for this credit?

  • Drawdown Feature
    • Monthly Installment Interest Fee Starting from 1.25%
    • Origination Fee, the fund that you received will be cut starts from 1%
    • 6 Months Loan Period
  • Pay Later Feature
    • Interest Fee 0%
    • 2 Months Repayment Period
  • Get Paid Feature
    • Transaction Fee 2.9%
    • Funds are disbursed within 24 hours

What are the requirements and documents needed?


  • The business has been actively running for at least 6 months
  • Bank statement for the last 3 months of the main account used for business transactions
  • Proof of the validity of the business
    • Non-online businesses include one of the following documents which explains business registration
      • SIUP (Trading Business License / Surat Izin Usaha Perdagangan)
      • TDP (Company Register / Tanda Daftar Perusahaan)
      • IUMK (Small Micro Business License / Izin Usaha Mikro Kecil)
      • IUI (Industrial Business License / Izin Usaha Industri)
      • APU (Business Establishment Deed / Akta Pendirian Usaha)
      • or any other related documents
    • For online businesses, put the URL link to the e-commerce where you sell your products.

Reliable Team Behind Aspire

Aspire is founded by Lazada executives (part of the founding team), startup veterans and financial experts in 2018. Aspire is also a graduate of Y-Combinator Batch Winter 2018. Now Aspire has been present in 3 countries namely Indonesia, Singapore, and Thailand.

Privacy Policy

This add-on will share financial report records in your Journal with Aspire for the purpose of applying for business credit only.